Dwelling
Covers the home structure for losses included in the policy, subject to limits and exclusions.
Start with the policy
Three building blocks to understand
Personal property
Covers belongings, often with special limits for jewelry, tools, firearms, or collections.
Loss of use
May help with additional living expenses while a covered home is uninhabitable.
Before requesting a quote
Questions worth asking
Is the dwelling limit based on current rebuilding costs?
Are the roof and belongings settled at replacement cost or depreciated value?
Which wind, hail, water, flood, and foundation losses are excluded?
Are barns, fences, equipment, or business property limited?